Connecticut Business Insurance Guide 2026

Who must carry it: 1 or more employees (Connecticut General Statutes § 31-275(10), Chapter 568 (Connecticut General Assembly)).

“Employer” means any person, corporation, limited liability company, firm, partnership, voluntary association, joint stock association, the state and any public corporation within the state using the services of one or more employees for pay …

Source: Connecticut General Statutes § 31-275(10), Chapter 568 (Connecticut General Assembly)

Exemptions and exclusions

The statute excludes casual workers outside the employer's trade or business, family members living in the employer's home, and domestic workers not regularly employed more than 26 hours a week by the homeowner (Conn. Gen. Stat. § 31-275). Corporate officers, LLC members and partners may elect to be excluded, and a sole proprietor is treated as an employer for insurance purposes only after accepting the Act (Connecticut Workers' Compensation Commission).

The agency to ask is the Connecticut Workers' Compensation Commission. For the coverage itself, see the workers' compensation guide; for a proposal's arithmetic, the workers' comp calculator.

Connecticut's minimum auto liability limits:

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident
• Start date: not stated in the source; confirmed in force on October 3, 2026
• Sources: Conn. Gen. Stat. § 14-112(a) (Connecticut General Assembly, chapter 246); Conn. Gen. Stat. § 38a-335(a)

Each automobile liability policy must also include uninsured and underinsured motorist coverage with bodily injury limits no lower than these minimums (Conn. Gen. Stat. § 38a-336). Ask your insurer whether these also apply to your commercial and fleet policies.

For business vehicles, treat these figures as a starting point: commercial and for-hire vehicles can face different or higher federal or state requirements (see the commercial auto guide).

Connecticut's program, CT Paid Leave, is funded entirely by employees: employers deduct 0.5% of wages up to the Social Security contribution limit and remit it quarterly to the CT Paid Leave Authority, and the Board kept the rate at 0.5% for 2026 (CT Paid Leave: contributions). It applies to most employers with one or more workers in Connecticut (How CT Paid Leave works).

The CT Paid Leave Board of Directors has voted to maintain the contribution rate at 0.5% for 2026.

Source: CT Paid Leave Authority, Contributions

What employers do: Register with the CT Paid Leave Authority, deduct the 0.5% employee contribution through payroll and remit it quarterly (there is no employer match), unless an approved private plan is in place (CT Paid Leave: I am an employer).

Employers may apply to CT Paid Leave to offer a private plan with the same or better benefits than the public plan (CT Paid Leave: contributions).

Beyond state law, a Connecticut license, lease or client contract can impose its own insurance or bond conditions, such as general liability limits. Record each request in the certificate of insurance checklist; other states are in the requirements-by-state guide.

• Workers' compensation: Connecticut Workers' Compensation Commission
• Auto liability minimums: Conn. Gen. Stat. § 14-112(a) (Connecticut General Assembly, chapter 246)
• Paid leave and disability insurance: Connecticut Paid Leave Authority

Bring the questions from our state requirements checklist when you contact them. If you want PolicyBenchmark to follow up on your Connecticut business, request coverage help.